From deepening credit penetration in underserved regions to supporting MSMEs and leveraging digital innovation, NBFCs have become indispensable to the country’s economic momentum. This session explores key policy interventions required to enhance the scalability, and global alignment of NBFCs, positioning them as critical pillars in India’s evolving financial architecture. 

As India advances towards its $5 trillion economic vision, NBFCs 2.0 are emerging as critical enablers of financial inclusion by leveraging technology, alternative credit models, and strategic partnerships This session delves into how NBFCs can embrace innovation, adapt to regulatory shifts, and scale responsibly balancing speed with sustainability to remain competitive, compliant, and resilient in a rapidly transforming financial ecosystem. 

This panel will explore how co-lending partnerships between NBFCs, Banks and Fintechs are reshaping credit access, enhancing financial inclusion, and driving mutual growth through digital innovation and strategic collaboration.  

Key Discussion Points:  

• How does co-lending contribute to India’s financial inclusion goals? 

• How fintech innovation enhances customer experience and financial inclusion? 

• How are collaborations transforming traditional NBFC operations? 

• How is Open Banking enabling NBFCs to access alternative data for credit decisioning? 

• What makes co-lending an attractive model for investors? 

This session will explore how digital transformation is reshaping risk frameworks, the impact of AI and automation on fraud detection and governance, and how NBFCs can stay agile while aligning with evolving regulatory expectations. 

Key Discussion Points:  

• How RBI and global regulators are shaping the digital financial ecosystem? 

• Why are new credit scoring methods important for understanding risk better? 

• How can we manage risks while digital lending and real-time transactions? 

• How are NBFCs adapting their internal risk frameworks to meet digital-first operations? 

This session will explore how microfinance goes beyond lending to foster entrepreneurship, empower women, and build resilient communities—creating lasting social impact and advancing inclusive growth at the grassroots level.  

Key Discussion Points:  

• Enabling income generation and entrepreneurship in underserved communities 

• Fostering trust and cohesion through group lending models (SHGs, JLGs) 

• Bridging the urban-rural divide through expanded microfinance reach 

• Enhancing access and efficiency via digital microfinance platforms 

• Addressing over-indebtedness and the need for responsible lending practices 

This session explores innovative financing models and the pivotal role of NBFCs in bridging the affordability gap, enabling homeownership for underserved populations, and accelerating progress toward the vision of Housing for All.   

Key Discussion Points:  

• How NBFCs are catering to the underserved segments in affordable housing 

• Impact of RBI policies and government initiatives like PMAY on NBFC lending 

• Liquidity constraints and funding challenges faced by NBFCs post-IL&FS crisis 

• Innovative financing models adopted by NBFCs for affordable housing solutions 

• Use of technology to streamline loan disbursal and credit assessment 

This session explores how NBFCs are accelerating the growth of MSMEs by bridging credit gaps through innovative underwriting models, leveraging policy support and government schemes, and empowering first-time and informal sector entrepreneurs to scale sustainably.  

Key Discussion Points:  

• Bridging the MSME credit gap through innovative and alternative underwriting models 

• Leveraging regulatory support, SIDBI tie-ups, and credit guarantee schemes for enhanced MSME lending 

• Building financial literacy and credit discipline among MSME borrowers 

This session will explore how technologies are being adopted to streamline operations, personalize services, manage risks, and unlock new revenue streams. Can these innovations define the next competitive frontier for NBFCs? 

Key Discussion Points:  

• How NBFCs are leveraging AI/ML for faster and smarter lending decisions?  

• Can blockchain help NBFCs with secure digital KYC, transparent transactions, and preventing fraud? 

• What do NBFCs need to know about RBI’s push for digital-first directives and data localization mandates? 

• How to track impact of tech investments such as customer retention & credit growth? 

• How can next-gen technologies like Agentic AI, Generative AI, and others help optimize operational costs and enhance customer experience? 

As the sector evolves in response to digital disruption, financial inclusion goals, and investor interest, the discussion will examine how progressive reforms, and strategic innovation can unlock NBFCs’ full potential and position them as key drivers of India’s financial transformation. This session delves into the policy shifts, regulatory frameworks, and market dynamics that are shaping the NBFC sector’s next phase of growth.